PRS
Prudential Financial, Inc. 5.62
Insurance - Life
Market Cap$7.97B
5Y Perf.-14.5%
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Stock Comparison
PRS vs UNM
Revenue, margins, valuation, and 5-year total return — side by side.
UNM
Unum Group
Insurance - Life
Market Cap$12.97B
5Y Perf.+430.1%
PRS vs UNM — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | PRS | UNM |
|---|---|---|
| Industry | Insurance - Life | Insurance - Life |
| Market Cap | $7.97B | $12.97B |
| Revenue (TTM) | $62.83B | $13.30B |
| Net Income (TTM) | $3.47B | $781M |
| Gross Margin | 32.2% | 33.9% |
| Operating Margin | 6.1% | 7.5% |
| Forward P/E | 1.6x | 9.2x |
| Total Debt | $33.28B | $3.90B |
| Cash & Equiv. | $19.75B | $158M |
PRS vs UNM — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
PRS
UNM
| Stock | May 20 | May 26 | Return |
|---|---|---|---|
| Prudential Financia… (PRS) | 100 | 85.5 | -14.5% |
| Unum Group (UNM) | 100 | 530.1 | +430.1% |
Price return only. Dividends and distributions are not included.
Quick Verdict: PRS vs UNM
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: PRS leads in 4 of 7 categories, making it the strongest pick for valuation and capital efficiency and profitability and margin quality. Unum Group is the stronger pick specifically for growth and revenue expansion and capital preservation and lower volatility. As sector peers, any of these can serve as alternatives in the same allocation.
PRS
Prudential Financial, Inc. 5.62
The Insurance Pick
PRS carries the broadest edge in this set and is the clearest fit for value and quality.
- Lower P/E (1.6x vs 9.2x)
- Combined ratio 0.9 vs UNM's 0.9 (lower = better underwriting)
- 23.8% yield, 14-year raise streak, vs UNM's 2.2%
Best for: value and quality
UNM
Unum Group
The Insurance Pick
UNM is the clearest fit if your priority is income & stability and growth exposure.
- Dividend streak 20 yrs, beta 0.48, yield 2.2%
- Rev growth 2.1%, EPS growth -54.8%, 3Y rev CAGR 3.2%
- 177.2% 10Y total return vs PRS's 33.9%
Best for: income & stability and growth exposure
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | UNM | 2.1% revenue growth vs PRS's -13.7% |
| Value | PRS | Lower P/E (1.6x vs 9.2x) |
| Quality / Margins | PRS | Combined ratio 0.9 vs UNM's 0.9 (lower = better underwriting) |
| Stability / Safety | UNM | Beta 0.48 vs PRS's 0.77, lower leverage |
| Dividends | PRS | 23.8% yield, 14-year raise streak, vs UNM's 2.2% |
| Momentum (1Y) | PRS | +5.2% vs UNM's +2.0% |
| Efficiency (ROA) | UNM | 1.6% ROA vs PRS's 0.5%, ROIC 4.7% vs 8.0% |
PRS vs UNM — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
FY 2025
FY 2025
PRS vs UNM — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLUNMLAGGINGPRS
PRSPrudential Financial,…
1leads
UNMUnum Group
4leads
6 Total Categories
CATEGORYLEADERvs PRSMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
UNM4/6
Valuation MetricsMultiples, price ratios, and targets
PRS6/6
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
UNM5/8
Total Returns1Y, 3Y, 5Y total returns with dividends
UNM5/6
Risk & VolatilityBeta, volatility, and downside exposure
UNM2/2
Analyst OutlookRatings, price targets, and dividends
Tied
—
Income & Cash Flow (Last 12 Months)
UNM leads this category, winning 4 of 6 comparable metrics.
Income & Cash Flow (Last 12 Months)
PRS is the larger business by revenue, generating $62.8B annually — 4.7x UNM's $13.3B. Profitability is closely matched — net margins range from 5.9% (UNM) to 5.5% (PRS). On growth, PRS holds the edge at +15.3% YoY revenue growth, suggesting stronger near-term business momentum.
| Metric | PRSPrudential Financ… | UNMUnum Group |
|---|---|---|
| RevenueTrailing 12 months | $62.8B | $13.3B |
| EBITDAEarnings before interest/tax | $4.1B | $1.1B |
| Net IncomeAfter-tax profit | $3.5B | $781M |
| Free Cash FlowCash after capex | $9.8B | $539M |
| Gross MarginGross profit ÷ Revenue | +32.2% | +33.9% |
| Operating MarginEBIT ÷ Revenue | +6.1% | +7.5% |
| Net MarginNet income ÷ Revenue | +5.5% | +5.9% |
| FCF MarginFCF ÷ Revenue | +15.6% | +4.1% |
| Rev. Growth (YoY)Latest quarter vs prior year | +15.3% | +9.0% |
| EPS Growth (YoY)Latest quarter vs prior year | -12.8% | +33.0% |
UNM leads this category, winning 4 of 6 comparable metrics.
Valuation Metrics
PRS leads this category, winning 6 of 6 comparable metrics.
Valuation Metrics
At 2.3x trailing earnings, PRS trades at a 88% valuation discount to UNM's 18.8x P/E. On an enterprise value basis, PRS's 4.4x EV/EBITDA is more attractive than UNM's 15.8x.
| Metric | PRSPrudential Financ… | UNMUnum Group |
|---|---|---|
| Market CapShares × price | $8.0B | $13.0B |
| Enterprise ValueMkt cap + debt − cash | $21.5B | $16.7B |
| Trailing P/EPrice ÷ TTM EPS | 2.29x | 18.76x |
| Forward P/EPrice ÷ next-FY EPS est. | 1.59x | 9.18x |
| PEG RatioP/E ÷ EPS growth rate | — | 9.73x |
| EV / EBITDAEnterprise value multiple | 4.38x | 15.82x |
| Price / SalesMarket cap ÷ Revenue | 0.13x | 0.99x |
| Price / BookPrice ÷ Book value/share | 0.23x | 1.25x |
| Price / FCFMarket cap ÷ FCF | 1.27x | 23.35x |
PRS leads this category, winning 6 of 6 comparable metrics.
Profitability & Efficiency
UNM leads this category, winning 5 of 8 comparable metrics.
Profitability & Efficiency
PRS delivers a 10.2% return on equity — every $100 of shareholder capital generates $10 in annual profit, vs $7 for UNM. UNM carries lower financial leverage with a 0.35x debt-to-equity ratio, signaling a more conservative balance sheet compared to PRS's 0.94x. On the Piotroski fundamental quality scale (0–9), PRS scores 6/9 vs UNM's 5/9, reflecting solid financial health.
| Metric | PRSPrudential Financ… | UNMUnum Group |
|---|---|---|
| ROE (TTM)Return on equity | +10.2% | +7.1% |
| ROA (TTM)Return on assets | +0.5% | +1.6% |
| ROICReturn on invested capital | +8.0% | +4.7% |
| ROCEReturn on capital employed | +0.6% | +1.5% |
| Piotroski ScoreFundamental quality 0–9 | 6 | 5 |
| Debt / EquityFinancial leverage | 0.94x | 0.35x |
| Net DebtTotal debt minus cash | $13.5B | $3.7B |
| Cash & Equiv.Liquid assets | $19.7B | $158M |
| Total DebtShort + long-term debt | $33.3B | $3.9B |
| Interest CoverageEBIT ÷ Interest expense | — | 5.48x |
UNM leads this category, winning 5 of 8 comparable metrics.
Total Returns (Dividends Reinvested)
UNM leads this category, winning 5 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in UNM five years ago would be worth $29,376 today (with dividends reinvested), compared to $10,688 for PRS. Over the past 12 months, PRS leads with a +5.2% total return vs UNM's +2.0%. The 3-year compound annual growth rate (CAGR) favors UNM at 24.0% vs PRS's 3.1% — a key indicator of consistent wealth creation.
| Metric | PRSPrudential Financ… | UNMUnum Group |
|---|---|---|
| YTD ReturnYear-to-date | -3.1% | +5.2% |
| 1-Year ReturnPast 12 months | +5.2% | +2.0% |
| 3-Year ReturnCumulative with dividends | +9.7% | +90.5% |
| 5-Year ReturnCumulative with dividends | +6.9% | +193.8% |
| 10-Year ReturnCumulative with dividends | +33.9% | +177.2% |
| CAGR (3Y)Annualised 3-year return | +3.1% | +24.0% |
UNM leads this category, winning 5 of 6 comparable metrics.
Risk & Volatility
UNM leads this category, winning 2 of 2 comparable metrics.
Risk & Volatility
UNM is the less volatile stock with a 0.48 beta — it tends to amplify market swings less than PRS's 0.77 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. UNM currently trades 96.6% from its 52-week high vs PRS's 90.9% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | PRSPrudential Financ… | UNMUnum Group |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.77x | 0.48x |
| 52-Week HighHighest price in past year | $25.19 | $83.13 |
| 52-Week LowLowest price in past year | $5.84 | $68.28 |
| % of 52W HighCurrent price vs 52-week peak | +90.9% | +96.6% |
| RSI (14)Momentum oscillator 0–100 | 55.7 | 61.0 |
| Avg Volume (50D)Average daily shares traded | 34K | 1.5M |
UNM leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
Evenly matched — PRS and UNM each lead in 1 of 2 comparable metrics.
Analyst Outlook
For income investors, PRS offers the higher dividend yield at 23.78% vs UNM's 2.21%.
| Metric | PRSPrudential Financ… | UNMUnum Group |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | — | Hold |
| Price TargetConsensus 12-month target | — | $98.00 |
| # AnalystsCovering analysts | — | 30 |
| Dividend YieldAnnual dividend ÷ price | +23.8% | +2.2% |
| Dividend StreakConsecutive years of raises | 14 | 20 |
| Dividend / ShareAnnual DPS | $5.45 | $1.77 |
| Buyback YieldShare repurchases ÷ mkt cap | +12.6% | +7.8% |
Evenly matched — PRS and UNM each lead in 1 of 2 comparable metrics.
Key Takeaway
UNM leads in 4 of 6 categories (Income & Cash Flow, Profitability & Efficiency). PRS leads in 1 (Valuation Metrics). 1 tied.
Best OverallUnum Group (UNM)Leads 4 of 6 categories
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PRS vs UNM: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is PRS or UNM a better buy right now?
For growth investors, Unum Group (UNM) is the stronger pick with 2.
1% revenue growth year-over-year, versus -13. 7% for Prudential Financial, Inc. 5. 62 (PRS). Prudential Financial, Inc. 5. 62 (PRS) offers the better valuation at 2. 3x trailing P/E (1. 6x forward), making it the more compelling value choice. Analysts rate Unum Group (UNM) a "Hold" — based on 30 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — PRS or UNM?
On trailing P/E, Prudential Financial, Inc.
5. 62 (PRS) is the cheapest at 2. 3x versus Unum Group at 18. 8x. On forward P/E, Prudential Financial, Inc. 5. 62 is actually cheaper at 1. 6x.
03Which is the better long-term investment — PRS or UNM?
Over the past 5 years, Unum Group (UNM) delivered a total return of +193.
8%, compared to +6. 9% for Prudential Financial, Inc. 5. 62 (PRS). Over 10 years, the gap is even starker: UNM returned +177. 2% versus PRS's +33. 9%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — PRS or UNM?
By beta (market sensitivity over 5 years), Unum Group (UNM) is the lower-risk stock at 0.
48β versus Prudential Financial, Inc. 5. 62's 0. 77β — meaning PRS is approximately 62% more volatile than UNM relative to the S&P 500. On balance sheet safety, Unum Group (UNM) carries a lower debt/equity ratio of 35% versus 94% for Prudential Financial, Inc. 5. 62 — giving it more financial flexibility in a downturn.
05Which is growing faster — PRS or UNM?
By revenue growth (latest reported year), Unum Group (UNM) is pulling ahead at 2.
1% versus -13. 7% for Prudential Financial, Inc. 5. 62 (PRS). On earnings-per-share growth, the picture is similar: Prudential Financial, Inc. 5. 62 grew EPS 33. 2% year-over-year, compared to -54. 8% for Unum Group. Over a 3-year CAGR, UNM leads at 3. 2% annualised revenue growth. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
06Which has better profit margins — PRS or UNM?
Prudential Financial, Inc.
5. 62 (PRS) is the more profitable company, earning 5. 9% net margin versus 5. 7% for Unum Group — meaning it keeps 5. 9% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: PRS leads at 7. 9% versus 7. 2% for UNM. At the gross margin level — before operating expenses — PRS leads at 42. 0%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
07Is PRS or UNM more undervalued right now?
On forward earnings alone, Prudential Financial, Inc.
5. 62 (PRS) trades at 1. 6x forward P/E versus 9. 2x for Unum Group — 7. 6x cheaper on a one-year earnings basis.
08Which pays a better dividend — PRS or UNM?
All stocks in this comparison pay dividends.
Prudential Financial, Inc. 5. 62 (PRS) offers the highest yield at 23. 8%, versus 2. 2% for Unum Group (UNM).
09Is PRS or UNM better for a retirement portfolio?
For long-horizon retirement investors, Unum Group (UNM) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0.
48), 2. 2% yield, +177. 2% 10Y return). Both have compounded well over 10 years (UNM: +177. 2%, PRS: +33. 9%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
10What are the main differences between PRS and UNM?
Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.
In terms of investment character: PRS is a small-cap deep-value stock; UNM is a mid-cap quality compounder stock. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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Revenue Growth>
%
(PRS: 15.3% · UNM: 9.0%)Net Margin>
%
(PRS: 5.5% · UNM: 5.9%)P/E Ratio<
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